TD Bank’s earns a 2.8-star rating from 476 reviews, showing that the majority of banking clients are somewhat satisfied with financial services.
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customer treatment
TD BANK; Lisa Holland, Donna Maiorino, Peter Del Bianco, Christine Richmond Hodges DO YOU THINK YOU WANT TO DO BUSINESS WITH TD BANK?
The following complaint No. 1354599 was filed with the Comptroller of the Currency.
I opened this account on the first day the Bank came to my area in 2002. It was a DBA account. A new Manager named Donna Maiorino came to the Bank a few years later. About 3 years ago I encountered a situation where they would no longer allow me to cash checks against my account because it was a business account. There was not a lot of checks. This apparently was started by this Manager. These checks were not made out to the business name but to me personally. I know that a check made out to a business has to be deposited. Every other bank that I have asked has said a personal check is no problem. At the time I contacted the Bank's Chairman's office. It was Commerce Bank at that time. Everyone that I spoke to at the headquarters did not see any reason why I could not cash such a check. Their Deposit Account Agreement says they will cash checks against the account. This situation was temporarily resolved when the Bank put a notation on my account stating that I should be able to cash these checks.
I was then able to cash checks for an extended period although I had to call tellers' attention to the notation a couple of times. At the beginning of this year I began having the same problem. The Manager again said that she did not want me to cash these checks so I spoke to a Vice President named Lisa Holland. She said the same thing that everyone in administration did that cashing them should not be a problem. There were very few checks. The vast majority of these checks were very small and there was only one that I got regularly every month and this was under $10.00 The headquarters emailed the Manager about the situation. She sent an email back stating that the only way that the checks would not be cashed was if I did not have enough funds to cover them. A copy was sent to me. The issue of sufficient funds was never raised relating to this situation. The only issue was cashing personal checks against a business account. Was she now denying that this ever happened? In the meantime all the tellers at the local branches were not accepting these checks from customers to cash. Is it possible that she did not want to put it in writing for some reason? Ms Holland then put a notation on my account that I could cash these checks. This concluded this episode.
I continued to cash the checks until October 6. There were some instances where I had to call the tellers' attention to the notation. On this day the teller said she could not cash them against a business account. I told her to check the notation. She said she was going to ask the same Manager. She said the Manager said that I could not cash it. I then called Lisa Holland who previously put on the notation. I got her secretary and left a message. The Manager Donna called later. She said the way it was left off last time was that I needed to open a personal account to cash checks. I told her that this was not the way it was left off and a notation was put on that I could cash them. She also made statements such as there were government regulations against cashing them. I said I was going to call Ms. Holland. I called and left her a voice mail message. An hour or so later the Manager called me back again and said that she spoke to Ms. Holland. She said they decided to close the Account. This was after Ms. Holland put on the notation the last time that I spoke to her. I then called the Chairman's help line at the Bank headquarters and spoke to Christine Richmond-Hodges. She seemed concerned and asked if I would be at my number the next morning. She also confirmed seeing Ms. Holland’s previous notation on the account at that time. She said that she was going to contact Ms. Holland. to see what was going on. The next day neither Ms. Holland or Ms. Richmond called back. In late afternoon I received a call from Peter Del Bianco. I believe he is the Regional Manager. He was the only one that agreed with the Manager the previous time about the check cashing.. He apparently has a close working relationship with her. He said they were sticking to their position and I could not open an account at any TD Bank. I tried to tell him that there appeared to be a communication problem in that they did not give me any notice since the notation was put on but he cut me off. When I asked if I could say something he said “no”. I do not know why the other two people who previously attempted to help never called back. He apparently is the person who handles “these things”. Do they think they are not a part of it if they do not call back? Shortly before Mr. Del Bianco's call I spoke to the Manager of the Medford Branch which is a couple of miles down the road. He said that there was no problem cashing these types of checks. I then went down and cashed the two checks in question totaling about $15.00. (On previous occasions this Branch also refused to cash these checks.)
1. The Account Agreement says that they will cash checks against the account. I think only a regulation would justify them not doing this. I do not think all other banks would be cashing them if there was such a regulation. All the local branch tellers are saying they do not cash them but when you speak to anyone in administration they deny that this is the policy.. Even the Manager in question put in her email that this was not the policy. Is it possible that no one wants to put it in writing? When they put the notation on my account they knew that the Manager was still engaging in the same procedure.
2. I was given no notice about any change of policy as far as the notation that was put on my account before they closed the account. The last thing that happened was that the VP put on the notation that I could cash them. They are now saying that I cannot open an account at any TD Bank I wrote a certified letter to this manager on 10/12 asking why I was not given any notice about a policy change and did not receive an answer. Copies were sent to Ms. Holland and Ms. Richmond who also did not reply.
Lisa Holland responded to the above complaint for TD Bank to The Comptroller of the Currency: She did not even mention the issue of cashing personal checks against a business account.
She stated that the customer was continuously trying to cash checks with insufficient funds in the account to cover the checks. She said I continued to argue the issue with the Manager and she even spoke to me about it. Is this the standard cover story?
My response was:
Dear Sirs:
I recently received the undated reply from TD Bank. Are they saying that the whole thing never happened? Do they not want to admit doing it?
This was not about sufficient funds but that they would not cash this type of check against a business account.. Every teller in this area can verify it as can the customers who were subjected to it. As stated the majority of checks were under ten dollars and there was not a lot of checks. It was not worth doing several transactions for a few dollars. The last incident involved two checks totaling about $15.00. There was about $1000.00 in available funds at the time and they would not cash them. All this is verifiable from account records and phone records. This documents that the incident happened about refusing to cash checks with sufficient funds. I have had accounts for over forty years and know you generally need sufficient funds to cash checks. I have also never run into this. In the last conversation with Del Bianco he said Lisa Howland extended you a courtesy with these checks but they would not continue to do so. He said they would not cash checks against a business account. He also said “you do not want to open the appropriate type of account”. Ms Holland stated they never allowed me to cash checks against insufficient funds. He said nothing about insufficient funds. This conversation is on my answering machine tape if anyone wants to hear it. I would hope an unresponsive letter would not prevent the appropriate follow up from being taken.
. . 1. With respect to the question of cashing checks with insufficient funds: Is this their standard cover story? In the 8 years that I had the account I remember about 4 or 5 incidents of asking to cash checks against insufficient funds. In just about every incident they cashed them. There were no arguments about it. Phone records would show that the only time that I spoke to Lisa Holland was in early 2010. This was when she put the notation on the account as verified by her secretarie's voice mail mentioned below. There are no other phone records documenting that she spoke to me .
2. When the Bank first opened I recall that it was the policy to cash checks without sufficient funds to cover them.
3. Why did this happen when I unsuccessfully tried to cash $15, 00 in checks with $1000.00 in available funds in the account? This is in the Bank and phone records This shows it was not about insufficient funds . 4. As stated I regularly get only one check under $10.00 and would not have checks to cash against insufficient funds.There would be records of such checks somewhere and there is not. My records would show I get no such checks. It would be an isolated incident. . 5. I found an additional voice mail message from 3/10 in which Ms. Holland's secretary Danielle states that she checked and confirmed that Ms. Holland's notation is on the account and that I should have no trouble cashing checks against the account in the future. This recording is available.
Lisa Holland then replied to my response again saying we declined to cash checks in cases where the customer did not have sufficient funds. She said it was “meaningless” at this point to debate whether I had sufficient funds on “a particular day”. If this “particular day” is when the last incident happened causing them to close the account it shows what this was about. It shows insufficient funds was not the issue. She said they consider the matter closed. She made no mention of the recorded phone conversation. . If they subject the customer to a procedure that they will not admit to, is this a good indication that the customer is justified in protesting it? If they simply said this is our policy that would have been the end of it. If a Bank has officers and managers who just make up anything that they feel like saying, mistreat customers, and then lie to government agencies; how many customers would want to do business with this Bank? Would I be justified in thinking that I had good reason to get away from the “world's most convenient bank” long before this based on what was going on? If customers tried to cash such a check against a business account they could not. But if they call the main office or even the branch they would say no problem and deny the procedure exists.
The Comptroller of The Currency said it does not have judicial power to enforce or interpret private agreements and the customer would need to get an attorney. There was no request to hear the available recordings. These are still available. I assume copies of the case documents could be gotten from the Comptroller of the Currency. I did not see this as a contract dispute but a question of how this Bank treats customers, if they lie to government. agencies.and if they subject customers to an abusive procedure that they will not admit to and then lie about it.
REPLY BY AUTHOR: You did not provide the regulation number and say you will not look it up. What a gut wrenching surprise. This is the last time that I will respond to your illogical nonsense. I got another dba checking account and have not run into this problem. It is a well known national bank. I have the same personal account somewhere else that I had before. I suggest that someone such as yourself is not doing the public any good by sticking up for people that do these things. I suggest that you evaluate your actions.
Again you are saying non responsive things. I ask if you work for the Bank because you are saying non responsive things. The only reason I respond is to clarify for a reader. I find it interesting that you are familiar with “typical responses” to your many comments on“other companies” you have commented on. I was not looking for any exception from them. I was also not looking to be excepted from any regulation. They would not even acknowledge that this was the policy. It was not a matter of someone not speaking to me. They did not even acknowledge the policy in the response to the Comptroller. This would have been the time to bring up any regulation. Why don't you backup what you say with the regulation number so we can see it?
. REPLY FROM AUTHOR : Do you work at TD Bank? 1. I have not run into this at any other bank before or since. This was a dba account with the checks in question made out to my name. 2. If there was a regulation I think the Comptroller of the Currency would have said something. Also just about every other bank would not be cashing them. 3. I stated that I knew you can't cash a business check. .Read some more superfluous info. 4. I also said if they just told me this was the policy that would have been the end of it. It would have been up to me to change banks. Did you miss the part where multiple people would not acknowledge the policy? 5. I said I knew you needed sufficient funds to cash a check but demonstrated that this was not the issue here. You sure missed a lot of superfluous info. Was it intentional?
The complaint has been investigated and resolved to the customer’s satisfaction.
td bank is horrible
TD Bank is horrible. I have had problems with overdraft fees in the past but this should be illegal. A check was deducted from my account twice and TD will not reimburse all the subsequent overdraft fees. They blamed it on my bookkeeping.
TD Bank SUCKS ! Most convenient bank? Give me a break. The only bank where you can make a real time deposit with REAL CASH into one of their bank ATMs, , then get charged an insufficient fee charge 3 days later when making a payment with an electronic check ! What is their problem? They need to learn a lot from Wells Fargo about how this system should work.
Sorry for the bad language. But when you give all the Proper paper work. And then told still that a government past port is not good enough for her (Amanda bank manager) you would get mad too. Next time anyone goes to do banking you might have to give a DNA sample. To prove who you are. Because all the government ID is just not good enough for her. I will take this up with the head office. But in sure nothing will happen . She will keep being rude, and the bank will still not give a rats about there customers. And life goes on...
Td banks on Bristol & Mavis Mississauga,
The worst customer services ever. My daughter was 10 years old when she open up a account. And been saver her money since. Now she is 15 years old she went to the bank to withdraw some money and was given a hard time. First the so call manger said her signature didn't match. Will you dum ### she was 10 now she is 15 it may not be perfect . I gave amanda from the bank my daughters pastport. Well is still was not good enough. She said she need to see my daughter old pastport when she was 10. Had to go bank home to find it. Then this ### is asked for a social inc. number my daughter dont have one. Plus she is not applying for a job. Then she asked for a copy of her birth cert. with I gave her. I was give a hard time and I was yelling at her because she said my daughter is not who she said she is. She called the bank gaurd on us. This is the biggest ### of the bank. After all this bull ### with the bank. My daughter got her money out. Who in the f*** hires such a ###. Who make up her own rules. The stuck up ### name Amanda is always giving people a hard time. I've seen her mean times given customers a hard time. I'm not the first person to file a complaint about her. And the dum ### ### still works there. With so many people out of work. Why is she still there?
pregnant woman
i see a pregnant woman that works there that she looks like shes almost going into labor and the bosses there treat her so bad I dont undertand why. I guess they dont know how hard is to be 9 months pregnant. I was in that bank today 08/23/11 and I heard her say she was having contractions and still the managers there wanted to do the work normal they are so cruel there wow. I am a man and I feel so bad about her because I saw how bad my wife was when she was 9 months pregnant. I just wish thoses managers there get what they deserved for being like this
The complaint has been investigated and resolved to the customer’s satisfaction.
Judgejuryand the truth and ekenigmatic, you two are disgusting and uncompassionate! Thank God for men like Manny28. I am a woman and I would have SAID something to those managers about the abuse they were inflicting upon this pregnant woman. You two guys could have been storm troopers! Shame on you!
atm fraud
I been with TD for almost a year now, i have not made any purchases; only deposit(s). i'm a student and i don't have a decent job whatsoever. the reason im posting this complaint was that when i first came in the flushing branch on main street on a sunday 7/10/11and i started making a deposit of 200 at an ATM and i forgot to use the enelvope. So i talk to the nearest banker and told her that i wanted to start over with my deposit because i was afraid it wouldn't go through; she had told me that i donot need to worry because they might check it afterwards. So then on i went into my account and i see that there is something wrong with the balance. I called TD (1-800)# customer service and told them that there was an error to my account. the reason i hadn't checked it sooner was that i didn't think i had to check the balance; until i pulled up to find my account # so i can have my father deposit his money. so back to the conversation with the customer service; they told me to talk to the branch that i made a deposit it too. It was frustrating that i called them and told them the exact same thing. when they pulled up my account; they went to find the statements for the past 10 minutes. the woman told me that they had shown a file stating that they only recover 5 20's which is a hundred and she repeatly said that for a hundred times and i was mad and i just didn't want to hear her excuses cause she sound like a broken record. i couldn't find a way to get it back because i hung up on her and i'm planning on finding a supervisor because they are not much help to me
The complaint has been investigated and resolved to the customer’s satisfaction.
customer service, etc.
I opened an account with TD Bank because I moved to Providence and the bank I was using in New York doesn't have any branches here. I closed out my old account and deposited the certified bank check into my TD Bank account. Several days later it had not cleared. I called the 800 number and was told that it takes 3-5 days for funds to be released if your...
Read full review of TD Bankcoin counter
The other day i visited a TD bank with my bucket of pocket change that me and my son saved up so i can teach him to save. As we went to the coin machine and started the process like ive done plenty of time in the past-guessing how much we had etc. The machine had NO volume and was dimly lite but ive done this a lot of times -got my receipt and went to the teller. The teller then throws at me if i have an account and i say no -THEN he hits me with theres a 3% charge to use the machine? Are you kidding? The teller says then open an account-i say no-then hes like well then i guess youll be paying the 3%. Thats some customer service they got, there was NO signs or anything saying about this fee and when i asked for a manager he told me it started in feb. He to then tried to get me to open an account and again i told them NO.This a great way to teach my son how clueless big companies are when it comes to customers. I did at one time consider opening an account but not anymore. They take your change and wrap it up and use it when deli owners come in, laundromat owners, etc come in so there not losing.So i thank TD for disgraceful practices
The complaint has been investigated and resolved to the customer’s satisfaction.
I too have used the TD Bank coin machine as recently as 7-10-15 and was disappointed to know that the fee was so high. They are now charging 8% to convert the change to cash. While I understand they do maintain the machine most banks do not take rolled coins nor do they take larger sums of loose change. I no longer have an account with TD Bank and neither of the banks I have membership with have coin machines. Charging a fee of 8% for someone who may need the money for gas or food or bills is too much. Many people who bring in change may need every cent possible today. Change is still United States currency and all banks should at least take rolled coins to make things easier for the consumer. The fees are too high.
I understand about how you feel about the fee if your not a customer; however, to maintain the machine it costs the bank money because they need the services of an outside vendor. People who are customers are contributing to the bank...why do you think that you can just go in and use the service of a company and not have to pay? Would you go to Staples for example or Kinkos and use any one their machines and not have to pay? I would agree with you on many things and I applaud you for trying to be a good dad, but it is a business.
they didn't count my deoposit money or intentional
I deposited $400.00 cash today Aug 9, 2011. When I got my receipt back, it says in the printout, $200.00. So, I had to pull my car back, , it was a drive thru as it was past 5pm. When I told this guy, George, he insisted I gave only $200.00. I had to fight to get them to check again my deposit slip. Only then did they try to investigate my claim. What if I didn't insist and fight, I would have lost my precious $200.00. Now, when I asked for the name of the guy, , they, vehemently hesitated. Obviously this guy George didn't count the money and the other guy Anthony tried to shrugged it off as a no big deal, , , or was it an attempt to cover up a gross negligence. Or was it intentional or just being human, making big mistake. How about his, (George's) insistence that I only gave $200.00? Don't they count the money before declaring how much the amount? I was on the losing end here, feeling helpless when he insisted it was only 200.00 Finally they corrected my receipt but not after almosst having a heart attack and spending lots of my adrenaline.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am changing banks. They are all disrespectful.
can't close an account
I've attempted to close an account at TD Bank 2 times now. I've even gone into the bank and had a manager process the request to close the account to finalize the separation of assets between me and my ex-husband. Apparently, they didn't properly close the account and when all of my ex-husbands bill pays came through TD allowed the account to be over drawn (because it was at $0.00--because they did find a way to transfer the balance out) and then not only did they charge me over draft fees but the cost of those bills! What a terrible bank--they cannot even close an account and as a special treat they won't acknowledge any fault but rather they are trying to send me a bill. This bank is now nearly on par as being as bad as Bank of America.
The complaint has been investigated and resolved to the customer’s satisfaction.
@Bryru - Tell the collector to confirm the debt after you deal branch manager. Have the branch manager put in writing on their letterhead that he or she is dealing with the matter internally. If you get a call from the collection agency, respond with, "Not my debt. Confirm with your client." All collection action should stop until they've done that.
I have had the same problem since 2007. The last time I closed the account was March 2011 - I received a check and secured a letter from TD Bank saying the account was closed. On 1_21_12 I received a collection notice for fees incurred in April 2011. I called the main numbers and they said there appears to be an error, but they can not fix it. Go to the branch manager and have them correct it. She had know idea how to get the collection agency to drop the case.
discrimination
On June 24, 2011, I requested a 2-month deferment on my consumer loan (automobile) due to temporary economic hardship as a result of unemployment. Informed that unemployment is NOT AN ACCEPTABLE HARDSHIP, and that I am ineligible for assistance because part or all of my income comes from public assistance in the form of unemployment claim benefits. A bit ironic since I believe that "America's Most Convenient Bank" benefited from public assistance in the form of the federal bailout funds.
The complaint has been investigated and resolved to the customer’s satisfaction.
unauthorized payment
I wrote a check to pay my Visa Bill for $1000 from my TD bank checking account. TD bank paid out $2000 instead of one thousand dollars claiming my "1" looked like a "2" even though the amount of the check was clearly written out One and zero one thousand dollars. They charged me $85 dollars in overdraft fees. They admitted it was their mistake and refunded the fees but we still don't have our thousand dollars back in our checking account and cannot pay our bills this week because of it. I thought the bank was supposed to protect your money, not steal it. If someone stole $1000 from me I could call the police and charge them with theft, can I do the same with a bank or can they just steal money from people using stupid excuses? Stay away from TD bank if you don't want your money stolen. I am transferring all to a credit union this week and will never use a bank again.
The complaint has been investigated and resolved to the customer’s satisfaction.
incompetence
I was recently married and my wife and I, both account holders at TD bank went to a local branch to add her to my account. We had proper I.D. and a copy of our marriage certificate with us. We were not trying to take anything from the bank, we were merely trying to add my wife to my checking account. We got an attitude from the customer service girl who informed us the her "back office" would not approve adding my wife to the account since the marriage certificate contained her maiden name and her driver's license has her previous married name. Please note the the SS # on both are the same and Social Security changed her name with no hassle at all. I asked this young woman if she knew of any other cases in America where women were married more than once and she didn't seem to get the logic, I informed her that she should consider that we were not so clever criminals who were trying to put money into the bank instead of taking money out. She again didn't get it. We left the bank disgusted. I called their customer service line and all I got offered there was the location of another branch to try ! America's most convenient bank? B.S.
The complaint has been investigated and resolved to the customer’s satisfaction.
I seriously want to get a girl that gave me attitude, fired. I never felt so discriminated in my life.
teller oppened an account without costumer consent.
I have a savings account on TD Bank in a joint account with my kids for several years. As costumer I inquire about personal checking account. The fees and charges to use and keep such account were to excessive that I decided not to open that checking account. After 3 weeks I got a statement that such account was opened without my consent, no down-payment deposit, neither signatures accepting that account was done, and already with some charges for low balance and maintenance. This is unacceptable.
The complaint has been investigated and resolved to the customer’s satisfaction.
false online gambling identification
I have worked in multiple help desks (Call Center's) throughout the years. I must say that the TD Bank help desk is no worse then any of the other call centers I've personally worked at. Which isn't a good thing. However, before stating my complaint I will say that my complaint itself isn't necessarily the actually representatives that answer the phone or the mangers. They were very professional and not rude what so ever as I have seen in some of the complaints on here. They also did an excellent job of verifying who I was, before providing me any information about my account. I would have to complain instead that it is a top down issue with training representatives.
I say this because upon calling the the 800 number you get different answers from different representatives and I have yet to receive an answer to my question I was calling in regards to. So now on to my complaint.
My debit card has been cancelled for a second time. I was attempting to purchase study materials from a website for a certification test that I am required to pass by June 30th. I originally attempted to make the purchase last month. While attempting to process the transaction I got that my card was declined. I didn't think to much of it as I had been making multiple online purchases and figured maybe it was some type of protection for my account in case someone was using my card to purchase things and wasn't me.
I waited a few days thinking maybe they would call and confirm if I was making the purchases which used to occur when they were still Commerce Bank. This did not occur but my card continued to be declined when I attempted to use it at restaurants and corner stores. I then decided to attempt a TD Bank ATM to withdraw money, at this point I was notified that an Unauthorized transaction was attempted so I went to my "Home" TD BANK.
They were very friendly and professional there as well. They notified me that my card had been cancelled due to online gambling. I asked them if they were able to let me know what website I may have visited that was falsely identified as online gambling. The Representative there told me they could not see this but that they could issue me a new card. While waiting for my new card to be issued they asked what websites I had visited I told them and he agreed that non of those sites had anything to do with online gambling.
At this point my concern was growing that maybe someone was using my card number for online gambling. I asked him if there was a point of contact would could verify this for me. He said that I could call Customer Support and ask to be transferred to a fraud department. Upon calling there help desk and asking to talk to a fraud department I was told that there was no other department I could talk to. I thanked them for there assistance and continued about my business. After talking to all these individuals who could not identify what website I went to that caused this issue, that I would continue my purchases with my new card. I assumed this as I also so nothing negative in my history on the tdbank.com website or in my statements for last month.
I attempted to make the purchase for my study materials for my Microsoft certification test once again. The card was declined. I had a sneaking suspicion that this must be the website that set this whole chain of events off. I again attempted to make another purchase after this one and it went through without being decline. I assumed an error must have occurred on that website and waited a few days. My card again started being decline making purchases everywhere.
I contacted customer support again this morning. The person I spoke with was again very professional and not rude what so ever. However, they were again unable to assist me with my inquiry for speaking with a fraud department or whoever manages the identification of online gambling websites. I was simply told there is no type of dept such as this although I would assume on the backend of TD Bank some type of IT or IA dept would be managing this. The reason I assume this is because I work in an IT Dept and I do something similar to block people from accessing gaming and gambling sites on our network.
I was told that no such Dept exists to speak to and that I am no longer eligible to hold a checking card for my bank account. Now, I can appreciate there positions of not allowing online gambling use of cards, despite all the complaints I saw about this on google when searching for information about my issue. To be honest I couldn't care less about the ability to use my card for online gambling however, I believe there should be some department to speak to if you find a website that is being falsely identified as online gambling so that TD Bank can correct the issue on there end.
So in closing I will say again I am not upset about the lack of knowledge of this issue with the help desk as I have run into this issue with help desk's I have been a representative in or that I have managed. I just believe there should be some type of higher tier I could talk to regarding this issue whose job it would be to know as the lower level analysts within there help desk shouldn't even be dealing with these types of issues.
Just wish I could get his fixed not just for me but for anyone else who may run into this problem in the future, with other websites that are not online gambling but being identified as such.
The complaint has been investigated and resolved to the customer’s satisfaction.
Wow, Mr. Gomez, that is a very unfortunate situation, especially since you never had your original question answered. I will agree, as a former employee, that branch employees and Customer Service representatives sometimes seem to be on different pages, so to speak, when it comes to confusions like this. I am inclined to suggest that perhaps the Microsoft certification website (or another website you may have accessed) is indirectly affiliated with illegal or suspicious activity. Further, if your TD Bank debit card is used for transactions on a foreign server, this activity is sometimes lumped into the "illegal online gambling" category, as those companies' servers do not comply with United States regulations regarding online theft protection, and may not be regulated at all. Hope this helped.
customer service
I've been a TD customer for only six months but I've already learned the hard way that their negative reputation is completely deserved. After a recent experience, I've come to learn a few things about doing business with this company:
My complaint stems from an experience where the TD website and the mobile app on my phone showed me DIFFERENT, inaccurate available fund balances. This resulted in nearly $200 in overdraft fees on a purchase amounting to less than $30. Knowing that the checking account I wanted to use was low, I even transferred funds from one of my other accounts to cover my butt. Turns out, due to the conflicting info I was getting from the site and app, I didn't transfer enough. My account was $2 and change short of what I needed. That's right, $2 off = $200 in fees.
My calls to two different customer service reps plus a supervisor amounted to nothing. They explained to me that the app and website are not meant to be used as primary banking tools and that it is the customer's responsibility to verify the accuracy of the information they present. Apparently mobile banking in 2011 is very different with TD than any other bank I have accounts with. The customer service reps are trained not to budge, they would not waive the fees even though I explained that I did in fact have the needed funds and would transfer them right away. Not even as a one time courtesy. (I don't think I was asking much.) When I explained to the supervisor that I was considering closing my TD account and moving these funds to my other bank, the response was, "OK, that's your choice."
Scan the comments for yourself. This bank will take you for any dollar they can and provide really shoddy services. Do not bank with TD. They do not care about their customers!
i just love bank's customer services. first you wait for half an hour untill the girl finishes her private conversation on her cell and then u get this ### person to help you whos acting like its not her job. all i needed was some good explanation and this senior customer service representative was so rude. very impatient with me eventhough we spoke the same language. as i was asking her more questions she would get more and more frustrated with me and raising her voice. so who ever goes to that avenue U branch...good luck with this russian girl. i suggest u talk to the manager.
This bank has Customer Service from HELL. This company should invest in hiring someone that can train theses people to be professional Customer Service people. I called one day to get account information and the Rep Eric asked me for my address and I provided it he told me that my zip code was wrong and I told him I know what the zip is for my town and gave it to him again and he told me it was wrong so I told him to look it up and that I wasn't wrong. He said that he could not help and that I needed to go into the local branch I told him that I was not going into a branch and that I wanted to speak to a manager. As I waited for a manager my thought was how come he never asked me for a second security question? He then comes back on the phone ask me another question and we spoke about the account.
I have called previously and that experience was worst, It was about funds being transfered that I never processed and the Rep told me that maybe I accidently did it. If it was wasn't for the prompting in the being that this phone could be monitored I would have told her a few choice words.
I challenge anyone to act as though something is wrong with an account and to call customer service. Service SUCKS
Went in to cash a check. One teller was working, the other was sitting there. He finally called the man in front of me and took care of his transaction. The man left and the teller was writing something. Finally calls me to the desk, and I told him I wanted to cash a check. He looked at the check and said he could not cash it because he did not have enough money. The check was for $200. I had to wait for the other teller (who is ridiculously slow, no matter what she does) to finish with a customer. The teller was waiting for something to print. After repeatedly trying to print, she realized there was no paper in the printer and had to go to customer service. Evidently this was hysterically funny. Talking to the manager with the assistant in ear shot, was useless. They did not get another teller, or explain why the teller could not help.
Just because they are open on Sunday does not make them the most convenient bank in America.
I've been a customer of TD since it was Commerce, I loved how they are open earlier and close later. Going to local branches I always felt that they treated you well. Recently I had a problem with overdraft fees that ended up totaling in over $200 I called to talk to customer service about it but was given an attitude when I asked where I overdrafted because the initial overdraft didn't show on my account. After this person continued to give me attitude I asked to speak with a manager. This was even worse, she continued to be extremely rude while attempting to figure out where I overdrafted. I then asked for another manager, this woman was very helpful she explained everything to me CALMLY! I then asked her if I was going to overdraft again because I was in the negative and I was receiving my paycheck a week late which is why I overdrafted (my fault I should have been on top of that). She told me that if I zeroed out my account I would be fine. So I did more than that and I woke up the next morning to another overdraft fee. When I callled and spoke with another person she told me that the overdraft fee was from two days before and it was just because they were waiting on the pending transaction. I explained to her that I understood that but why hadn't the other person told me that? She said she should have volunteered the information but because she wasn't part of the conversation she would forward my information to a supervisor to review it. She then told me to zero out my account again, I called two more times to verify that information and spoke with two very nice women who were extremely helpful. I wasn't going to bother with trying to fix the overdraft fees anymore because I really didn't want to deal with it anymore and I knew it was my fault but a few people, one who used to work at TD Bank, told me I should try. So I called and immediately asked for a manger and the manager, Tina, could not have been more rude! After explaining my problem with the overdraft fees and realizing she wasn't budging I then asked who could I complain to about how poorly I felt I had been treated by some of the customer service reps. She wouldn't let me speak and kept interrupting me, she thought I was still trying to get my overdraft fee back when I was trying to tell her that I didn't want it back and what I was trying to do was make a complaint. She continued to say that "ultimately it falls on your shoulders" which is ridiculous because I wasn't talking about overdrafting and if she would have just let me finish a sentence she would have realized that! Finally I got frustrated and yelled "LISTEN TO ME!" to which she repeated "Miss there's no need to yet at me" over and over and over and I was calmly trying to say "Okay I'm sorry" She still continued repeating that even after I repeated okay and said could you please listen to me? she then hung up on me. I called and explained to the next woman about what had happened and said I just wanted to complain about some of the people working in your department and I think that this problem should be fixed. I said I don't think people deserve to be fired or in trouble but maybe someone should give them more training because they clearly didn't understand the concept of customer service. She agreed and then told me that Tina must have refunded $70.00 to my account. I said that I appreciated that but I didn't think I would be able to continue my business there because I'm not going to be spoken to the way I was spoken to. I have every intention of writing TD Bank and informing them of how AWFUL I felt while dealing with there customer service. If they don't do anything to make me feel more at ease they will absolutely lose my business as well as my family's and probably some friends which would be more loss then my overdraft fee.
Oh and P.S. for you TD Bank employees on here who are going to try to defend your customer service and the overdraft policy, I admitted over the phone multiple times that I knew it was my fault. When I was trying to complain about customer service to Tina I said "I know I messed up" that still doesn't mean they have the right to speak to me the way they did. I wouldn't take that from anyone and I'm most certainly not going to take it from some customer service rep at a bank that doesn't realize how lucky she is to have a full time job! I worked customer service for years and I can tell you that everyday I went into work expecting people to yell at me and be rude to me and I never lost my temper with them because that is was I was getting paid to deal with, and it was always wonderful when I could make them happy and deal with nice customers. I would have lost my job if I spoke with my customers the way I was spoken to. The only difference between me and Tina was that when I did it I dealt with these people face-to-face, I didn't have the comfort of a phone line and a cubicle.
I was on the hold for 15 mins before I got to a rep. She was quick to transfer me to another department. I want again for 15 minutes then the phone went dead. The hold music stopped. I going to have to go I to the branch because they are saying I owe over $200 from 2010! It was paid but never taken off my record. I'm trying to open a business account and this horrible bank is holding me up!
I too have been a customer since the Commerce days, and completely regret continuing with TD Bank, they now have the worst customer service in NYC -- which is something considering that they have Citibank and Chase as competitiors.
i totally agree with you powerchick! their customers service reps really terrible! i have same experience like you about them! they should really fired all of them, especially her!, their supervisor! she is so rude and cold and no feeling at all, she deserve go to hell! they should fired them all and make sure they have a good customers service reps! so many good people out there that deserve to have the jobs replacing them!
he was FIRED for fraud. :)
I am having a lot of problems with this bank. I do not know who made this site, nor do I know who reads it and if there is anyone out there who is seeking feedback. Assuming there is, I would like to share the following:
As an experiment I called TD Bank five times and spoke with five different customer service represen...tatives. When asked why I was calling, I said I wanted to find out how to close my TD Bank account and leave TD Bank for good. Not one person on each call questioned why I was leaving or even said they were sorry to hear this or even ask if there was anything I could do. I was shocked. Some of them were even rude.
My issues span from complications with their system to poor customer
service to no longer being able to directly deposit a business check
(they are now not ready until the next business day) to not even being
able to transfer money online from my TD Bank account to a family
member's account who is also using TD Bank. They ...don't use that
technology or system but "purport" and claim to be "America's Most
Convenient Bank."
My advice? Don't tell the customer service people on the phone about
your woeful experiences. They may not care because they have been
bombarded by other customers having the same problems as you. They are
also probably getting treated poorly at their jobs. Go higher up the
food chain and hopefully, this bank will change some of its policies
and turn around. I am not optimistic, however.
Mamie Prout
[protected]
Assistant VP of Customer Relations. Call. Tell someone who can change something.
If anyone can find a # for someone who actually has a title above clerk, please post so we may all harrass for better service. Direct deposit missing 2 days and still missing.
thieves
When I first opened my account here, (when it was still Commerce Bank) one of the questions I asked the rep was "What is the procedure for closing an account?" She replied that it was simple- just draw all remaining funds from an account and it closes automatically.
Two weeks later it was TD Bank. The problems begin.
Two years and an unbelieveable number of problems later, I finally decided I'd had enough of TD's unfair fees, phony overdrafts and disappearing money, so I drew all funds from my checking and savings and moved to PNC.
A few months later, I get a letter stating that I owe them over $300 in account charges. I called and demanded an explanation, and I was told that my accounts were NOT closed and that I was being charged for having insufficient funds. I told her that the woman who opened my accounts in the first place explained to me that withdrawing all funds closed the accounts automatically. I was told that the rep had been wrong and that this was MY problem!
I told them that as THEIR employee had misinformed ME about their procedure, I would not be paying them any more fees.
Now I'm getting letters and calls from the collection company they turned me over to! These ### are unbelieveable. Worst bank I have ever had the misfortune of dealing with.
loss of deposit
This is the second time TD Bank has lost a deposit of mine in less than 3 months! The first was a cash deposit handed to a teller. I later checked my account online and I was not reflected. I called the bank they claimed they had no record of it, so I marched right in there with my receipt and it took them 3 days to credit my account.
The second incident was a large deposit at an ATM, I kept my receipt and it was reflected at least for that day as a deposit. I later checked and somehow it is now listed as a DEBIT! I am now on my way over to the branch with my receipt to complain. They have never apologized to me for these serious oversights and I intend to file a criminal report. This goes beyond incompetence!
The complaint has been investigated and resolved to the customer’s satisfaction.
The bank and its employees are horrible. They don't even understand the work competence.
"large deposit at an ATM" thats where you went wrong.
horrible bank
I've been reading a lot of the complaints listed on here and see that 9 times out of 10 some random login will turn it around and blame it on the customer. Here is a situation I challenge anyone to say is my fault or a lack of responsibility on my part... instead of another example of poor business practices by TD Bank.
I have been a customer of TD Bank since Jan 11 and will be closing my account after my deposit clears and my account is reconciled. I have had numerous issues with this bank but the one that tips the iceberg is as follows. On a Monday evening, I used the ATM to deposit a government-issues child support check (the same exact check I deposit to the same exact branch every month at the same day/time). I deposit the check and within 1-3 business days the check clears so no one needs to explain pending transactions to me. Here is where the issue comes in. I have not used my account waiting for the check to clear (day one they release $100 and hold the other $700 until the check has been verified)... so usually I just don't touch my account until the deposit is shown as cleared which I did this time. Woke up this morning to find that my account was showing no pending transactions and my available balance the amount of the check and proceeded to pay my bills online. Everything was fine until I go to use my debit card for lunch and it is declined... why? Because TD Bank has arbitrarily decided to put an extended hold on the check AFTER it had already listed it as cleared. At this point, not even the first hundred is showing as available (which coincidentally will make anything that comes in from the bills I paid overdraw my account). I spent over an hour on the phone being switched from person to person to figure out what could be done to fix this since it was clearly an issue TD Bank caused. In the end I was lectured about pending transaction times... to which I clearly stated I understand that but if my account is showing that my deposit had cleared and 100% of my money is available... that is not an issue of not waiting out the hold check time. She then told me that the system changes over in the night so there will be fluctations in balances (ummm... from a check cleared to not cleared... umm that's a bit more than a fluctuation... and basically you are telling me not to trust the information the bank gives me). Next, I was told that my check had cleared but then was put on an extended hold by this mysterious "back office" as I'd never made an ATM deposit before... I stated to the Bank Manager (because I'd progressed that high at that point) that I was looking at my statements which clearly showed that I had made previous ATM deposits so again why was this check being held for this reason. After I pointed this out the woman got really nasty and said she wasn't going to argue with me. It wasn't an argument when the bank is holding my money for wrong reasons. She then refers me to some supervisor at another bank branch. I express to this woman... I'm not upset about the time it takes for my deposit to clear, I understand holds but what concerns me is that my account showed everything cleared with no pending transactions so I went ahead and paid bills... now I'm facing overdraft fees if the deposit is not removed from this hold before they come in... and no one has addressed this. To which she replied... well, it will be fine. Like I had no reason to be concerned. She then cut me off by saying is there anything else she could help me with today... I laughed and told her since she hadn't helped in the first place... no. So that wasn't very polite but after 60+ minutes on the phone being treated like I was stupid or wrong... I'd had enough. I should also point out that I wasn't even expecting the check to clear until tomorrow so never would have paid these bills had my account not stated that the checks had cleared. And because of the past inconsistencies in clearing times... I had no reason to suspect that this would happen.
Why did they not put a note on my account to not charge fees or return my payments should they come in because this was a bank "glitch"? Why did they not release my funds or say they'd release them by COB? How hard is it to verify a government-issued check?
I'll be switching banks because like I said this is the last straw in a long line of issues I've had with TD Bank. I will also ensure that EVERYONE I know knows about this to ensure no one makes the mistake of banking at TD Bank.
Hmmm... then I guess you really are mentally disturbed. You know... this makes me laugh. Obviously, your account has been deleted since it clearly states on your profile "Member since April 28, 2011".
Thanks for swearing so I have a reason to report you. Love that.
@ Here we go again... Let's try this for credibility. You have been a member here since April 28, 2011... that is 16 days. In 16 days, you have not filed ONE complaint and yet, you have posted 194 comments on a number of complaints concerning the same companies over and over again.
What does this tell me? Okay, so you don't work for TD Bank... I see that now... but you do probably work for whatever reputation management company contracts to those companies. And what is the purpose of those companies? To discredit valid complaints by good people so that it doesn't discourage people from no longer frequenting those establishments. And if you don't... then what career allows you to make an average of 12 counter-complaint comments a day and it would be a very sad existence (bordering on some sort of mental disorder) that this is what you do day after day.
FYI... I'm a retired duty-connected disabled US service member who held a security clearance. As such, we weren't allowed to bounce checks or be irresponsible with our finances or we could lose our entire career. I was taught well through classes provided by the service component about investing, handling my check book and everything else to do with finances. I worked hard for my money and didn't spend crazily as a young adult... I was too busy defending this country. I also pay cash for everything I purchase. I don't have credit cards because I don't need them. When it comes to financial responsibility... I'm probably the poster child. Again, nice try. At least there will be one post on these boards you can't knock down.
For feedback for your company... just let them know that for TD Bank... the simplest solution is typically the most beneficial... had, at any point, ANY of one of the five TD Bank employees that I spoke with simply APOLOGIZED for the inconvenience caused by what is clearly a flawed system... One which allowed a gap between the normal check hold (1-2 days) and the extended hold (erroneously attached to my account for never depositing through an ATM despite the fact that except for my opening deposit had been done month after month) as well as a note on my account stating what happened to avoid any charges caused by the situation... I would have been satisfied. Neither of these things would have caused the bank any money or hassle and I would have closed my account. This did not happen. Instead, I was argued with when I called, lectured for policies that had nothing to do with why I was calling (FYI... an irresponsible person would not have called as soon as the issue was noted and BEFORE any negative impact was seen in my account) and nothing was resolved to my satisfaction.
And shoot... sorry about the typos... Seeing those two yahoos posting negative when they don't know anything really made me angry. I mean really, who would take the time to go through and post IN FAVOR of TDBank on a complaint board. Oh, and I posted about this on facebook and EVERYONE that replied said they'd had issues with the bank (all over the country) and had switched. Lots of recommendations for Citizen bank... just in case anyone is looking for a new one.
@gkenigmatic... Funny enough three of the people who I talked to on the phone were confused when I brought up their check cashing policy (which I looked up online while being on hold forever)... governement checks can be immediately credited. One lady actually asked me if it was a payroll check and if I worked for the other state's child support division. I wanted to ask if she was stupid and say I live like 80 billion miles away so I doubt that commute would work out for me. It clearly says the state and the issuing agency. LOL Apparently, something wasn't clicking with them that it was a governemnet issued check. It was one of the issues that was really frustrating me while on the phone.
@Ellen67... I've had the same check every month for the duration of my daughter's life and never had issues cashing it like this at the last. No holds even on the rare occasions that my balance didn't cover the entire check. And tdbank told me it was for never having deposited from an atm before despite the fact I had. That's one of the main issues of my complaint.
And as an update despite having called my payment did incur an astronomical overdraft fee... which I spent 40 minutes on the phone (at this point beyond being civil and polite) getting reversed. They did reverse it but I never should have had to go through it in the first place.
Account closed on Monday.
That should read I've had no overdrafts in the four month history of this account and I've only had three in the last 20+ years of banking. Just in case you want to get crazy with that comment since you are clearly looking to discredit the good people that post complaints here to cover a shoddy instituation.
@Gatortracks... actually no. I do not use checks and have had NO overdrafts in four months. I have had continuous "mistakes" with deposits and debits over the four month. And you also wrong with the "cleared" vs "posted". My available balance was the total amount of the check PLUS what was already in the account (so no the balance was NOT zero). Try again.
@Here we go again... I am past the period of where they hold checks for new accounts. It was a typo that I said it was the amount of the check. I was angry at the tdbank who kept me on hold, transfered for over an hour. And this was NOT a normal hold... this was a hold AFTER the check hold... for never depositing through an ATM before which, as I stated above, I have done EVERY month for the last four months.
@ Both of you two OBVIOUS tdbank lackies... I moved to a new state and only opened this account to deposit my child support into and to have a local bank for local banking services. Not that I have to explain my finances... but I have a main bank from a small chain in texas... which I LOVE and have banked with for years and years. I can pay all my utility bills, cell and other small non-essential bills out of this account which I do. This ensures that, again being RESPONSIBLE, that my savings money, my daily living money and my bill money are all in separate accounts with no overlap.
Unfortunately, for the two of you. This isn't a time when you can say "Oh, this person is irresponsible". I retired at 38... I am that financially responsible... not rich but I invested well for my future starting young. I moved to a new state and only opened this account to deposit my child support into and to have a local bank. Not that I have to explain my finances... but I'm
If you really want to witness TD's unprofessional nature, move to a State where they have no branches and then try to close a checking account. I did that. I called my former branch in Foxboro, MA and was told that I had to come in to close the account. I explained that I now lived 2100+ miles from that branch and couldn't come in. I was then told, next time I'm in Foxboro, stop by. Guess what? There won't be a next time I'm in Foxboro. I explained that and then was told to that a supervisor had to get involved. Back on the line the clerk told me to send a letter to the Foxboro Branch with details, having my signature notarized and the account would be closed with a check sent to my new address. I did that and received a letter from TD Foxboro saying that I should have sent the letter to a different address and that I now had to write a new letter, get it notarized and send it off to a TD address within 15 miles of Foxboro. Why couldn't that branch send my original letter to the other branch? No answer. So I called an 800 number and asked what I could do? Answer, write a check to myself to withdraw all funds from the account. Once done call them back to confirm the account was empty and it would be closed. I wrote the check, deposited it in my new bank account and when cleared I called them. Guess what, account now should that I went negative as they charged me a $25 "Service Fee". Now I began to get very angry; about time. So I called. The woman immediately reversed the service charge but told me that I had to call the 800 number back again 24 hours from this call to again confirm my intention to close the account. I'll be calling them in about 45 minutes from now to do that.
Never will I use TD Bank again and I also withdrew all my funds, well into the 6 figures, from TD Ameritrade as a result of this incredible run around that, I hope will finally end within the hour.
E J Chase - Colorado Springs, Colorado
The manager at TD Bank on 7th ave Johnny Pacheco is a ### and crook!~ TD bank steals money from you! BEWARE!
HERE'S MY "INTELLECTUAL" COMMENT: "TD BANK BLOWS!"
CLOSE YOUR ACCOUNTS AS SOON AS YOU CAN. THEY WILL CONTINUE TO RIP YOU OFF AS LONG AS YOU BANK WITH THEM. THEY WILL EVENTUALLY GO BELLY UP.
debit card inaccuracies
They REALLY need to get a better system. First off, I have not once overdrawn my account. I am fully aware of their fees and am always very careful when spending on tight budgets and checking my balances. Yesterday morning, it said I have a current balance of sixteen dollars and some, available balance of twelve. My school allows me to take out increments of five so I did that. I only got five bucks. The receipt said my remaining available balance was 7. This morning, I come to find that I am 3 dollars and 50 cents overdrawn. A small purchase of four dollars was cleared from a few days ago. But I was wondering how I overdrew? It said my balance after the 5 dollar withdrawal was ONE DOLLAR. THE DAMN BANK AND ATM LIED TO ME. It's either a bank error or they gave me the wrong balance through a crappy ATM.
The complaint has been investigated and resolved to the customer’s satisfaction.
You probably used a non td bank atm and got charged from the atm and then from td and it overdrew your account.
predatory overdraft fees
I had to abandoned my TD bank account because I was a victim of fraud, A false check was given to me then bounced, The bank said it was my fault the check bounced, that I should have known it was a fake check.15$ They wanted..in the mean time as they took back the check amount I began to get hit with over draft fees, I went to the bank within the time limit and covered everything, Checked the next day and again the account was fine.5 days later they hit my account with 4 overdraft fees...it then begins to snowball..and two days later my entire account is swallowed up by the instant 35$ overdraft fees from their 'Predatory" software which auto automatically takes it out..
So much money was negative that my next pay check would be completely swallowed up .I augured that I was the victim of fraud, and they were punishing the victim, they said we are not but pay the fees anyway..but i cant.
They agreed to take away 2 of the fees, I said ok how about the two that started the snowball effect, they said no just two fees that's it..
I told them my only choice is to abandoned the account, If i put my check in now I wont eat for two weeks.they said ok nice knowing you...we got lots of customers one less doesn't make a difference.
So we all are victims of predatory software by banks and no-one is out there trying to help us not one politician, nobody...
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freezing my account
They froze my account to where I could not write checks, for something I did not do.
Sounds like a law suit to me.
Back Off!
get a life
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About TD Bank
TD Bank (US) has a customer-focused approach, delivering personalized services and solutions to meet the unique needs of each customer. The bank offers a wide range of financial products and services, including checking and savings accounts, loans, mortgages, credit cards, and investment solutions. These products and services cater to the diverse financial needs of both individual and business customers.
One of the key differentiators for TD Bank (US) is its commitment to providing enhanced convenience and accessibility through its extensive network of branches, ATMs, and online banking services. The bank has over 1,200 locations across the eastern United States, making it easy for customers to access and manage their finances at their convenience.
TD Bank (US) is also known for its innovative and user-friendly digital platforms. Its mobile banking app is recognized for its easy-to-use interface and robust features that allow customers to manage their accounts from their smartphones or tablets on-the-go. The bank also offers online banking services that enable customers to conduct a wide range of financial transactions from the comfort of their homes or offices.
Aside from its impressive range of products and services and convenient accessibility, TD Bank (US) is also highly regarded for its exceptional customer service. The bank has a team of dedicated and experienced professionals who are committed to providing timely and effective solutions to customer inquiries and concerns.
Overall, TD Bank (US) is a reliable and customer-focused bank with a strong reputation for delivering exceptional financial solutions and services to its customers. With its innovative digital platforms, extensive network of branches and ATMs, and exceptional customer service, the bank continues to set the bar high in the banking industry.
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I personally have had contact with this woman donna and all I can say is with america having a 9 percent unemployment rate please TD find some one else to run the patchogue branch. As of today I pulled all my accounts with them over six figures and am going back to HSBC! Thanks for nothing sincerely all island